The Benefits Blog

We have a client that is filing for his SS. He is also moving to Columbia, South America. He is a U.S. citizen. What, if any will be the repercussions?

As a U.S. citizen, your client will continue to receive Social Security benefits after moving to Colombia, South America, without any issues. The S...

Situation arose this afternoon, I am looking for some guidance. Husband died in 2021 at age of 64 and had already begun his Social Security benefit. 26 year old child is on SSI and is disabled. It sounds like she (mom, widow) is currently receiving child-in-care benefit.  She is about to turn age 60...

If Roger (born 09/01/1950) has a non-covered pension and drawing less in SS because of WEP , does that affect Ann’s SS? I am thinking Ann (born 08/07/1956) should take hers at FRA which is 66 & 4 months and would receive 50% of Roger’s unadjusted SS. Do you agree?  And what date should she use when ...

We emphasize SITUATIONAL SOCIAL SECURITY in the NSSA® Certificate program, as all your clients are UNIQUE. Your clients may be single, married with wide age differences, married with narrow age differences, divorced, surviving spouses, eligible to file a Restricted Application, children, public empl...

I have a client who was diagnosed with multiple myeloma.  He was laid off from his job and is going to be receiving a severance package for 30 weeks. His SSDI payment would be about $3115 a month.  He is wanting to know when it would make sense for him to apply for SSDI knowing that he has a severan...

Colorado is a common law state.  Mary and Lee were together for over 30 years until he passed three years ago.  Mary has attempted to get his social security but has had constant push back from the Lakewood, CO Social Security office.   They said she was not entitled because they did not live togeth...

Have a client who is going to start Soc Sec benefits at 62. Her estimate is about $2,400 per month.  She has a daughter who is 24, and will be 25 in Sept.  She has been physically and mentally disabled and receives SSI (which is $947 per month). Will she get an increase when my client retires next y...

I have a client just turned 62 and they haven’t filed or paid taxes in many years- probably 8-10.  My question is- How will this affect their SS benefits.  Will there be penalties? I know they have very little to no income for several years and I believe they may have been living off an inheritance ...

I have a client who delayed his benefit after FRA for 4 months which equates to a total of $60 (DRC) which will be added in January. His current benefit is $3,488 a month gross.  What is the order of applying DRCs and COLA or is this a simultaneous calculation?

When it comes to applying Delayed Ret...

Wife is collecting SSDI, but the husband with a much larger benefit has not filed for SSB.  Since she has SSDI, does deemed filing apply?  Meaning she will get a reduced Spousal benefit when the husband does file. This makes me think that she can refile for spousal at FRA if she wanted to get the ma...